The available balance has been adjusted. A credit has a positive value for amount, and a debit has a negative value.

Code — BADJ
Event trigger — The specified amount is credited or debited to the account.
Processes — These processes contain the event trigger:
- Program API endpoints:
- ACH transactions
- Wire transactions
- Customer Service Tool
- Galileo-hosted cardholder website
- Merchant credits
- Payment hold expires
- Internal administrative processes

Fields

All fields are strings. Your field names may vary. Default fields are included in the default webhook template. See Default and optional fields for more information.

Field	Default	Description
account_status		See Account Statuses for possible values. Example: `"N"`
ach_acct_id		The ACH account to which the payment was posted. Example: `"212101392821"`
ach_source_trace		Trace ID for an ACH transaction, generated by the originator. 15 digits. Example: `"034294619573021"`
ach_trans_id	X	Unique Galileo-generated identifier for an ACH transaction. For BADJ and BPMT, this field may contain the `auth_id` of a card-load transaction. Example: `"7971383"`
act_type	X	For all adjustments the activity type is `"AD"`.
adj_id	X	Galileo-generated identifier for this adjustment. Example: `"462354"`
amount	X	Amount of the adjustment. A negative sign (`-`) indicates amount debited from account. Example: `"32.56"`
association_name		See Events Network Codes for possible values. Example: `"M"`
avail_cash		For debit accounts, the `open_to_buy` plus available overdraft. Example: `"143.11"`
avail_credit		For credit accounts, the available credit limit to spend. Example: `"432.00"`
balance_id	X	The balance ID, also called the `galileo_account_number`. Example: `"20211"`
batch_header		The batch-file header for the Nacha file. ACH transactions only. Example: `"5220IRS TREAS 310 9111036170PPD TAX REF 0101242401010012111036170000001"`
cad		Galileo-generated card ID. Example: `"12534"`
card_status		See Card Statuses for possible values. Example: `"N"`
ch_group_id		Corporate Hierarchy group identifier. Example: `"2544"`
client_id		ID for the customer record. Example: `"264539"`
company_entry_desc		Company descriptor found in the batch header of the Nacha file. Example: `"RESTAURANT"`
credit_balance		For credit accounts, the total amount of unpaid purchases and advances. Example: `"325.00"`
currency		Currency code for `amount`, which is the currency of the cardholder account. Example: `"840"`
description	X	Transaction description. Example: `"Transfer from savings"`
ext_trans_id		External transaction ID. Example: `"1234-abcdefg"`
mcc		Merchant category code (DE018). Example: `"5712"`
merchant_country_code		Mastercard credit only. The 3-letter code of the country where the merchant is officially located (ISO 3166-1). Example: `USA`
msg_event_id		Unique Galileo-generated identifier for this message. Example: `"243693"`
msg_id		The four-letter code to identify this event. Example: `"BADJ"`
odfi_routing_number		Routing number for the originating depository financial institution (ODFI) of an ACH or wire transaction. Nine digits. Example: `"325491456"`
open_to_buy	X	The available balance to spend. Example: `"500.00"`
opentobuy_ts		The exact date-time at which `open_to_buy` was captured. Format: `YYYY-MM-DD hh:mm:ss.ssssss` Example: `"2025-03-17 14:06:50.243654"`
orig_acct_number		ACH or wire originator account number. Example: `"265493042"`
orig_name		ACH, Real-Time Payment (RTP), or wire originator name. See Originator and source names for details. Example: `"ABC Bank"`.
otype	X	See the curated list of otypes for your program from Galileo. Example: `"AC"`
pmt_ref_no	X	Galileo 12-digit payment reference number (PRN) for the account. Example: `"999101003022"`
prod_id	X	The product ID of the account. Example: `"1701"`
prog_id	X	The program ID of the account. Example: `"305"`
receiver_name		Name on the ACH or Real-Time Payment (RTP) recipient account. Example: `"Jamal Williams"`
sec_code		Standard entry class code. See SEC Codes Requirements for ACH for valid values. Example: `"PPD"`
settle_dtl_id	X	ID that maps back to the settlement record for the transaction. Example: `"13354855"`
settle_julian_date		The date the transaction settled in Julian format: `YYDDD` Example: `"23005"`
source_id	X	An identifier that maps back to the origin of the adjustment.
source_inst_name		For ACH transactions, the name of the originator. See Originator and source names for details.
timestamp	X	Date-time when this event was created in Mountain Standard Time (GMT -0700). Format: `YYYY-MM-DD hh:mm:ss MST` Example: `"2025-01-31 17:20:33 MST"`
type	X	The name of this event: `"adj"`
user_data		Populated according to your use case and needs by arrangement with Galileo.

Example

# adj example:
{
  "account_status": "N",
  "ach_acct_id": "212101392821",
  "ach_source_trace": "034294619573021",
  "ach_trans_id": "7971383",
  "act_type": "AD",
  "adj_id": "462354",
  "amount": "32.56",
  "association_name": "M",
  "avail_cash": "143.11",
  "avail_credit": "432.00",
  "balance_id": "20211",
  "batch_header": "5220IRS  TREAS 310  9111036170PPD  TAX REF 0101242401010012111036170000001",
  "cad": "12534",
  "card_status": "N",
  "client_id": "264539",
  "company_entry_desc": "RESTAURANT",
  "credit_balance": "325.00",
  "currency": "840",
  "description": "Transfer from savings",
  "ext_trans_id": "1234-abcdefg",
  "mcc": "5712",
  "merchant_country_code": "USA",
  "msg_event_id": "243693",
  "msg_id": "BADJ",
  "odfi_routing_number": "325491456",
  "open_to_buy": "500.00",
  "opentobuy_ts": "2025-03-17 14:06:50.243654",
  "orig_acct_number": "265493042",
  "orig_name": "ABC Bank",
  "otype": "AC",
  "pmt_ref_no": "999101003022",
  "prod_id": "1701",
  "prog_id": "305",
  "receiver_name": "Jamal Williams",
  "sec_code": "PPD",
  "settle_dtl_id": "13354855",
  "settle_julian_date": "23005",
  "timestamp": "2025-01-31 17:20:33 MST",
  "type": "adj"
}